General Banking Operations Officer

Location: Malta

Life @ FIMBank

FIMBank's success story is attributed to the dedication and commitment of our team. Every employee is a champion of the FIMBank brand and its underlying promise of quality, dynamism, commitment, and innovation. All our employees are given the opportunity to develop as professionals and to advance in their careers through our learning and development programmes.

About the Job

The General Banking Officer supports the effective delivery of operational activities across multiple banking products and processes by executing transaction processing, account management, and control activities in line with established procedures. The role ensures accuracy, compliance, and timely service delivery while contributing to operational efficiency and client satisfaction.

Duties and Responsibilities:

* Prepare, review, and validate documentation to ensure accuracy, completeness, and compliance with internal standards and product requirements.

* Perform account setup and maintenance activities across relevant banking systems.

* Execute transactions across products, including document validation and system processing.

* Coordinate with clients, internal stakeholders, and third parties to ensure fulfilment of conditions precedent prior to drawdowns.

* Monitor transactions throughout their lifecycle and support timely fulfilment of post-disbursement conditions.

* Process loan disbursements, including validation of invoices and supporting documentation.

* Monitor loan repayments and flag any discrepancies or delays for escalation.

* Maintain structured filing systems (physical and electronic) to ensure effective record management and audit readiness.

* Support reporting requirements and perform reconciliations as required.

* Undertake ongoing training and provide operational support across teams within the Operations function.

* Adhere strictly to established systems, workflows, and procedures as defined in operational manuals.

* Monitor transactions and activities to ensure compliance with internal controls and risk frameworks.

* Record and report operational incidents in line with established procedures.

* Escalate delays, discrepancies, or uncleared items to the Line Manager or Head of Operations.

* Ensure all deviations and exceptions are appropriately documented and approved in line with policy.

* Support debt management processes, including monitoring overdue exposures and follow-ups.

* Contribute to the preparation and distribution of management information (MIS) to internal and external stakeholders.

* Identify process inefficiencies and propose improvements to enhance operational effectiveness.

* Deliver services in line with the Bank's client service standards and operational commitments.

* Respond to client requests and queries in a timely and professional manner.

* Liaise effectively with internal teams to ensure smooth service delivery.

* Support enhancements to client experience by identifying improvement opportunities in processes, products, and systems.

* Perform compliance checks and due diligence activities in accordance with internal policies and regulatory requirements.

* Maintain ongoing adherence to the Bank's risk management and compliance frameworks.

* Ensure all activities are conducted in line with applicable legal, regulatory, and internal control requirements.

* Stay adjourned and adhere to the latest AML/CFT policies and procedures.

Qualifications and skills:

* Diploma/Certificate in Banking & Finance or equivalent;

* Minimum 2 years' working experience in banking operations, transaction processing, or similar operational roles

* Understanding of lending lifecycle, documentation, and transaction processes is an advantage

* Strong attention to detail and accuracy

* Ability to process transactions and documentation in a controlled environment

* Working knowledge of banking systems and operational workflows

* Ability to identify and resolve routine and non-routine operational issues

* Applies judgement within defined procedures and escalates where required

* Ability to communicate clearly with internal stakeholders and clients

* Handles routine client queries and supports service delivery

* Strong organisational and time management skills

What we offer:

* Welcoming and professional environment;

* Work with a proactive, forward looking Team;

* Professional growth;

* Internal/External Learning and Development opportunities.

* Attractive salary;

* Health, Life and Personal Accident insurance cover; and

* Pension plan.

Equal Opportunity Statement

FIMBank is committed to diversity and inclusivity.